The LegalShield Identity Theft Plan provides identity theft protection and restoration services to help prevent identity theft and resolve issues if it occurs. The plan covers the member, spouse, and up to 8 dependents under 18. It includes credit monitoring and reports, identity consultation services, and assistance from Kroll to handle the restoration process for victims of identity theft by placing fraud alerts and disputing fraudulent accounts. If signing a limited power of attorney, Kroll will fully manage the restoration process; otherwise they will assist the member in taking actions themselves. The plan aims to resolve common identity theft issues like fraudulent accounts and records.

1. LegalShield Identity Theft Plan
SM
Your identity is personal. Keep it that way. Identity theft affects millions of Americans each year. And
while it can take just minutes to happen to you, recovering from the financial damage and emotional toll it inflicts
often takes years. Victims of identity theft can face issues such as lost job opportunities, problems with securing a
loan, harassment from debt collectors, or even possible arrest for crimes committed by the identity thief. To better
avoid these issues, the LegalShield Identity Theft Plan equips you with the information and expertise you need to
help prevent theft and resolve issues related to identity theft.
Arm yourself and your family.
To ensure you have the best coverage possible, the LegalShield Identity Theft Plan covers not only you and your
spouse but also includes up to 8 dependents under the age of 18.
Benefits include:
Credit Report and Personal Credit Score
Conveniently log in to our secure website for access to your up-to-date credit report based on data from Experian,
including a detailed analysis of your personal credit score.
Continuous Monitoring with Safety Alerts
With our secure website, you can continuously monitor your Experian credit report and receive email alerts
regarding any activity on your credit file.
Identity Consultation and Restoration Services
If you ever encounter or have questions about how to guard yourself against identity theft, we’ve retained the
experts at Kroll, the world’s leading consulting company in identity theft restoration, to assist you. If you find you
are a victim, sign a Limited Power of Attorney and Kroll will step in and take over the restoration process for you.
Restoration includes the following:
• Seven-year fraud alert notifications will be sent to all three national credit repositories
• roactive searches of local and national databases for any activity in your name
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If you choose not to sign a Limited Power of Attorney, Kroll advisors will instead assist you in taking these
actions.
Safeguard for MinorsSM
This benefit provides coverage for up to 8 dependents under the age of 18 and gives valuable information on credit
education, including advice on the best practices for the use of a child’s Social Security number. It also includes
monitoring and alerts for credit files in your child’s name. Experts are available for consultation and can provide
immediate support as needed, including placing alerts, disputing fraudulent accounts, providing available credit
reports, and assisting with obtaining a police report.
Learn more about LegalShield Identity Theft Plan at
www.legalshield.com/info/idtmn

2. LegalShield Identity Theft Restoration
LegalShield has retained Kroll to take over your restoration process - all you have to do is sign a Limited Power of Attorney and forward it to Kroll to
begin the process. If you prefer not to sign a Limited Power of Attorney, Kroll will assist you in taking action yourself. The items listed below are common
scenarios performed during identity restoration. There may be additional areas of work performed depending on specific identity theft situations.
RESTORATION PREPARATION
Benefit
WHENEVER A FRAUD ISSUE WARRANTS
Limited
POA
No
POA
Assist in organizing details of issues
Benefit
Limited
POA
No
POA
Limited
POA
No
POA
Determine if creditors extended credit due to
misuse of your identifying information
Explain fraud victim’s rights
Confirm creditor contact information
Educate you on the process and your
responsibilities
Contact creditors and collection agencies to
dispute all fraudulent accounts
Assist in gathering and completing paperwork,
including police reports
Notify and work with the collection agencies
of creditors holding fraudulent accounts
Send Fraud Packet to victim
List of Contact Numbers (for immediate fraud alerts):
• Equifax Fraud Center
• Experian Fraud Center
• TransUnion Fraud Center
• Federal Trade Commission
• Social Security Administration
• United States Postal Service
Turn over any current accounts to fraud,
requesting affidavits of documentation
forwarded to you
Search Criminal Data in your country of
residence to look for criminal activity being
committed in your name
Provide fraud victim assistance material
Search U.S. Criminal Records indicator to
search a wide variety of national criminal
databases
Assist you with questions as you work through
the process
Search Department of Motor Vehicles records
in your state
Issue Fraud Alert to all three credit repositories
Perform a Social Security trace to look for
additional addresses that may be attached to
your name
RESTORATION PROCESS
Within 24 hours of receiving the signed Limited Power
of Attorney, Kroll will:
Benefit
Limited
POA
No
POA
Issue Fraud Alert to Social Security
Administration (SSA)
Use licensed attorneys where appropriate to
perform these duties
Issue Fraud Alert to U.S. Postal Service (USPS)
After receiving both signed Limited Power of Attorney and
tri-merged credit report, Kroll will:
Issue Fraud Victim statements and work
with all three national repositories (Experian,
TransUnion, Equifax) to restore credit accuracy
Review credit history with you and verify if
fraud includes items like:
• ublic Records (Liens, judgments,
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bankruptcies)
• Credit Accounts (New and/or derogatory)
• Address
• Prior employment
Issue Fraud Alert to and work with affected
financial institutions and credit card companies
Determine if you have been submitted as having
been involved in fraudulent banking activities
Assist you in working with law enforcement
personnel
Issue Fraud Alert to Federal Trade Commission
(FTC)
Benefit
Perform a Social Security Death Index search
to verify if you have been submitted to
Social Security
Limited
POA
No
POA
Offer additional assistance that can be
reasonably provided based on your issue
Provide a list of attorneys who may be able
to help you with legal issues—any subsequent
relationship is exclusively between you and
the attorney
CASE CLOSING PROCESS
Benefit
Provide a tri-merged credit bureau report
follow up 120 days after resolution of your
identity theft issues
Update member
Continue restoration until complete
Responsibility for Kroll’s Fraud Solutions
Practice will cease when Kroll receives
verification from you that the issue is resolved
Limitation and Exclusions for Comprehensive Restoration by Kroll: Coverage is not provided for the following events: Legal Remedy - Any Stolen Identity Event where the victim is unable or unwilling
to prosecute the person who caused the victim to suffer the fraud or its consequences. Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the Member(s) who suffered the fraud
personally participated in, directed or had knowledge of such acts. Financial Loss - Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not
limited to, money stolen from a wallet or other monetary losses, unauthorized purchases of retail goods or services online, by phone, by mail or direct. Pre-existing Stolen Identity Event Limitations - If
the victim either had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to the victim prior to enrollment in the program,
such an event and the consequences related to it are not covered. Business - A covered stolen identity event does not include business losses, including but not limited to the theft or unauthorized or
illegal use of the victim’s business name, DBA or any other method of identifying the victim’s business activity. Dormancy or inactivity - If the victim cannot or does not provide the items designated
in paragraph 1 above, or, having initiated restoration, if the victim fails to respond to or cooperate in activity facilitated by Kroll for the purpose of ID restoration. Incurable - Because of the nature of
the activity associated with identity theft, some issues cannot be resolved. For example, if a fraudulent act results in the victim’s name being improperly placed on a government agency’s restricted
list (e.g., a ‘no fly’ list) neither Kroll nor LegalShield can promise removal of the victim’s name. Legal services are not separately provided under ID theft restoration services. Once a dependent reaches
the age of 18 they are required to purchase their own policy to continue coverage. LegalShield Plan members should consult their individual plans to determine availability of legal services. Marketed
by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal CasualtySM, Inc.; Pre-Paid Legal Access, Inc.; In FL: Pre-Paid Legal Services, Inc. of Florida; In VA: Legal Service Plans
of Virginia; and PPL Legal Care of Canada Corporation
SHEET.BRKRIDTMNR 53879 (1/2014) © 2012 LegalShield®, Ada, OK